LEGAL DEFENSE PROGRAM

TO ALL PARTICIPANTS IN THE LEGAL DEFENSE PROGRAM:

This Summary Plan Description (“SPD”) provides you with an overview of many provisions (including eligibility, benefits and claims/appeals procedures) of the Legal Defense Program. The SPD is a brief summary of your Plan and does not offer an exhaustive explanation of the Plan. A copy of the Plan document, which sets forth all pertinent information regarding the Plan, is available upon request. We recommend that you carefully read and retain this document so that you are informed about your rights under this Plan. If you have questions that the document fails to address, or need clarification of any provisions of the Plan, please contact the LDP Board of Trustees.

The FPOA LDP Board of Trustees administers the Plan and only they can give information or answer questions about the Plan. Statements by other persons, including other FPOA members or personnel, are not authorized and will not be binding upon the Legal Defense Program.

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